75%....Vanguard International Index Fund:$7,245 ($628 Held In Roth #1 as ETF, The rest held in FUND in ROTH #2)
25%...Vanguard All world Ex US Small Cap Index ETF: $2,414 ........(ROTH #2)

Bonds: 100% US (25% total Assets)$9,200

30%....Vanguard Intermediate Term Index Fund ETF: $1,550 (ROTH #2)........($2,760 After allocation is corrected)
60%...Vanguard Short Term Bond Index Fund:$4,650( ROTH #2)........($5,520 After allocation is corrected)
10%...Vanguard Hi-Yield Corporate Bond Index Fund:$3,000 (ROTH #2).......($920 after allocation is corrected)I know the Bond percentages do not add up but I have to put $3,000 in the High Yield Bond Fund to open it. I will have a higher than desired Allocation until I can transfer money out of the fund and add to the other bond funds to get correct Allocation/color]

Taxable Account: $202.....I plan to put $10,000 annually in taxable starting this year undecided on what to hold in this account

That is what I would Net right now if I were to pay the house off in full. I know it could be More/less(hope fully not less) but it is just a estimate.And that is after property tax and hazard Ins.

Why not just do a simple three fund portfolio of VG total stock, total bond, and international across all accounts and keep things simple?I don't like the lack of small Cap exposure or Value in the TSM and I wanted to have Small Cap and Value a part of my portfolio in US and International.

Two funds ... with a large cap value tilt. Broad diversification. Simplicity. You could always get fancier and more complicated, but your results could well end up worse. Plus this AA is easy to manage.

That is what I would Net right now if I were to pay the house off in full. I know it could be More/less(hope fully not less) but it is just a estimate.And that is after property tax and hazard Ins.

Why not just do a simple three fund portfolio of VG total stock, total bond, and international across all accounts and keep things simple?I don't like the lack of small Cap exposure or Value in the TSM and I wanted to have Small Cap and Value a part of my portfolio in US and International.

It was not clear but do you have a seperate emergency fund and reserves for your rental property? If not then you should have seperate accounts for those that you consider separate from your retirement asset allocation. If you have college savings for any kids those would also be tracked separately.

What are your marginal Federal and State tax brackets? You are likely eligible to make deductible IRA contributions instead of the Roth contributions so you might want to reconsider that choice if you are in the 12% or higher federal tax bracket. Under the current tax laws a couple can have over $100K in retirement income and still be in the 12% federal tax bracket so you may not be in a high retirement tax bracket.

Welcome.
Thanks for posting. You're asking good questions and have worked hard on your format.

However.Please edit your post in the format suggested.

1 Include the fund names, tickers, and expense ratio, and either amount or percentage of total.
2 ***Please list the funds available to you, not just the ones you have, so alternate choices can be suggested. Not all plans have all funds available.
j

Your plan looks fine for what it is, a asset allocation in the abstract and nothing more.

If you're planning for retirement, you might find it useful to more fully develop a plan which incorporates not only your asset allocation, but your best estimates for future income and expenses, and your desired income and anticipated expenses in retirement. Doing this can help inform your asset allocation, since selecting the optimum risk/return approach there depends to some extent on what you see your needs being in the future and what assets you think you will have to address them. For example, if your expected pension, social security, and rental property income will likely be sufficient for your anticipated expenses (including any mortgage on your primary residence, taxes, health care, long-term care if needed, etc) you could be more conservative in your asset allocation now, reducing risk in return for likely lower returns. On the other hand, if you think you'll need a higher amount of investment income in retirement, you'll need to apply a asset allocation strategy which is likely to achieve the returns you need even if that will come with a higher level of risk.

mikepeetz84 - Your creative color scheme is difficult to read. Plain text (no added colors) actually works best. If you want to emphasize a point, do it sparingly and it stick with bold, italic, or underline. Thanks.

OP, your situation looks good, you have rental property income, and you are working to max out your IRAs. In 20 years, when you have a 7-figure portfolio, you will look back at this post fondly and laugh at statements like "I have to put $3,000 in the High Yield Bond Fund to open it". Keep is simple!

To be brutally honest- -
at 33, with decades to go - -
==> you don’t know if your pension will be there, or if it’s there if the COLA will exist
==> we have a hard enough time figuring out health insurance in five years; twenty plus- fagitaboutit
==> at 33, you won’t know if you have advancement potential or are plateaued; nor will you know what might happen to your health (and thus, income) or if you get “right-sized”

SO, spend your time optimizing your income potential now and SAVEASMUCHASYOU CAN!

at early 30’s, a 75% equity allocation is normal ; no problem with the Roth having high equity level, you have decades for growth

==> at 33, you won’t know if you have advancement potential or are plateaued;

nor will you know what might happen to your health (and thus, income)

or if you get “right-sized”

For me at age 60 I can look back and say

1) Hmmm, plateaued for me, got a few bumps before plateauing, spouse had a few more. we got lucky— being in the 33% bracket for income in a MCOL area allowed us to put quite a bit away
2) Health just fine well let’s just say I’m not a complete idiot- - some parts are missing (replaced)
3) Right-sized, Nope, dodged the bullet.I didn’t have too much problem, only early in career when the one company filed for Chapter 11; spouse had to reapply way too many times, even with the same company. Fortunately , we were able to leave on our terms... the craziness got worse after we left in both our former places.
Two outta three ain't bad!